Penko Expense Tracker

Take Control of Your Finances - Simple, Private, Ad-Free

Penko is a powerful yet simple expense tracking app designed with your privacy in mind. No ads, no tracking, no cloud storage - just pure functionality to help you manage your money better.

KEY FEATURES

Smart Analysis
- Visual charts and graphs to understand your spending patterns
- Monthly and daily progress rings
- Category-based spending breakdown
- Compare current spending with previous months
- Overview of this month against your income, what is left, and a 12-month forecast

Flexible Expense Tracking
- Quick expense entry with custom categories
- 40+ currencies with exchange rates
- Recurring expenses (daily, weekly, monthly, weekdays) - type how many times it repeats and the end date is worked out for you
- One-time and recurring expense tracking
- Detailed expense history with search and filtering
- Optional daily reminder, only on days you have not logged anything

Calendar View
- Interactive monthly calendar
- Daily expense visualization
- Week-by-week spending history
- Easy date navigation

Categories and Organization
- Create custom categories and subcategories
- Visual category distribution charts
- Detailed category analysis
- Smart categorization with color coding

Financial Planning
- Set daily and monthly spending limits
- Create financial goals and plans
- Track progress towards your goals
- Budget management tools
- Project future savings with interest calculations

Privacy First
- All data stored locally on your device
- No data collection or tracking
- No account required
- Backup & restore to a single file you control - no server involved
- No advertisements

Customization
- Dark and light themes
- Available in 10 languages
- Customizable categories with colors
- Flexible date ranges for analysis
- Personalized budget limits

Insights and Analytics
- Monthly spending trends
- Category comparison
- Daily vs monthly averages
- Visual progress indicators
- Detailed expense reports

WHY CHOOSE PENKO?

- 100% Free: All features unlocked, no premium version
- No Ads: Clean, distraction-free interface
- Privacy Focused: Your data never leaves your device
- No Internet Required: Works completely offline
- Modern Design: Beautiful iOS-native interface

PERFECT FOR:
- Students managing budgets
- Families tracking household expenses
- Anyone wanting financial clarity
- Privacy-conscious users
- People who prefer offline apps

SUPPORT THE DEVELOPER

This app is completely free with no ads. If you find it useful, you can support development through optional in-app donations (buy me a coffee or tea).

YOUR PRIVACY MATTERS

Unlike other expense trackers, we don't collect any data. No analytics, no tracking, no cloud sync. Your financial information is yours alone, stored only on your device.

FEEDBACK AND SUPPORT

We're committed to making this the best expense tracker for you. Have suggestions or found a bug? Contact us - we listen to our users!

Download now and start taking control of your finances today!